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Application materials 1. Valid identity documents, household registration certificate (household booklet or other valid residence certificate), and marital status certificate originals and copies of the borrower and his spouse; 2. Personal income certificate, Such as personal tax payment certificate, salary certificate, investment income certificate, average financial assets certificate in ICBC or other banks in the past 6 months, etc.; 3. Proof or statement of loan purpose; 4. Proof of ownership of mortgage (pledge); If the mortgaged property requires appraisal, the original appraisal report must be provided; 5. Other documents or information required by the bank.